HNB MORTGAGE

My wife and I decided to buy our first home with our first child on the way. We decided to go with a Big-Name-Bank (Wells Fargo) because they appeared to have the best rates at the time. This was quite possibly the most frustrating mistake the two of us have ever made! It was an absolute nightmare. We started the loan process in the beginning of June, were quickly pre-approved, found the house we wanted, and by mid-August were living in a motel because Wells Fargo couldn't get their act together. It was at that point that HNB Mortgage was suggested to us. We were sufficiently furious with Wells Fargo, so we decided to give HNB a chance. I spoke with Louis Dunnam and was immediately relieved. He promised us that we could have the loan closed within 2 1/2 to 3 weeks, and was able to give us a lower rate as well as fewer closing costs than we were prepared to pay with Wells Fargo. Although we were sufficiently jaded by that point, Louis provided a small glimmer of hope in an otherwise desolate landscape. So the race was on. We handed over all the documents that we had originally given Wells Fargo to Amanda (our loan processor) with HNB Mortgage. ** I think it's important here to note that many of the documents that Wells Fargo "required" she had never even heard of before **. Anyway--Amanda was far more than professional, on-the-ball, and courteous. She handled everything so well that the entire process with HNB Mortgage required virtually zero effort on our part. In fact the staff of HNB Mortgage was so wonderful that the second time I walked into the office (un-announced mind you), another employee who I had met very briefly the time before (Monica) said "Hello, Mr. Davis. It's good to see you today." That type of service is a far cry from what my wife and I were shown at Wells Fargo! The bottom line is this: We closed on our house exactly 3 weeks TO THE DAY!! HNB Mortgage did EXACTLY what they said they would do! They are truly a magnificent, service-oriented company. Two thumbs way, WAY UP!